In the Senate of the United States, 

December 17, 2020. 

Resolved, That the bill from the House of Representatives (H.R. 2610) entitled ‘‘An Act to establish an office 

within the Federal Trade Commission and an outside advisory group to prevent fraud targeting seniors and to direct 

the Commission to study and submit a report to Congress on 

scams targeting seniors and Indian tribes, and for other purposes.’’, do pass with the following 

AMENDMENT: 

Strike all after the enacting clause and insert the 

following: 

1 SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 

2 (a) SHORT TITLE.—This Act may be cited as the 

3 ‘‘Fraud and Scam Reduction Act’’. 

4 (b) TABLE OF CONTENTS.—The table of contents for 

5 this Act is as follows: 

Sec. 1. Short title; table of contents. 

TITLE I—PREVENTING CONSUMER SCAMS DIRECTED AT SENIORS 

Sec. 101. Short title. 

Sec. 102. Senior Scams Prevention Advisory Group. 
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TITLE II—SENIOR FRAUD ADVISORY OFFICE 

Sec. 201. Short title. 

Sec. 202. Office for the Prevention of Fraud Targeting Seniors. 

1 TITLE I—PREVENTING CON2 SUMER SCAMS DIRECTED AT 

3 SENIORS 

4 SEC. 101. SHORT TITLE. 

5 This title may be cited as the ‘‘Stop Senior Scams 

6 Act’’. 

7 SEC. 102. SENIOR SCAMS PREVENTION ADVISORY GROUP. 

8 (a) ESTABLISHMENT.—There is established a Senior 

9 Scams Prevention Advisory Group (referred to in this title 

10 as the ‘‘Advisory Group’’). 

11 (b) MEMBERS.—The Advisory Group shall be com12 posed of stakeholders such as the following individuals or 

13 the designees of those individuals: 

14 (1) The Chairman of the Federal Trade Commis15 sion. 

16 (2) The Secretary of the Treasury. 

17 (3) The Attorney General. 

18 (4) The Director of the Bureau of Consumer Fi19 nancial Protection. 

20 (5) Representatives from each of the following 

21 sectors, including trade associations, to be selected by 

22 Federal Trade Commission: 

23 (A) Retail. 
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1 (B) Gift cards. 

2 (C) Telecommunications. 

3 (D) Wire-transfer services. 

4 (E) Senior peer advocates. 

5 (F) Consumer advocacy organizations with 

6 efforts focused on preventing seniors from becom7 ing the victims of scams. 

8 (G) Financial services, including institu9 tions that engage in digital currency. 

10 (H) Prepaid cards. 

11 (6) A member of the Board of Governors of the 

12 Federal Reserve System. 

13 (7) A prudential regulator, as defined in section 

14 1002 of the Consumer Financial Protection Act of 

15 2010 (12 U.S.C. 5481). 

16 (8) The Director of the Financial Crimes En17 forcement Network. 

18 (9) Any other Federal, State, or local agency, in19 dustry representative, consumer advocate, or entity, 

20 as determined by the Federal Trade Commission. 

21 (c) NO COMPENSATION FOR MEMBERS.—A member of 

22 the Advisory Group shall serve without compensation in ad23 dition to any compensation received for the service of the 

24 member as an officer or employee of the United States, if 

25 applicable. 
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1 (d) DUTIES.— 

2 (1) IN GENERAL.—The Advisory Group shall— 

3 (A) collect information on the existence, use, 

4 and success of educational materials and pro5 grams for retailers, financial services, and wire6 transfer companies, which— 

7 (i) may be used as a guide to educate 

8 employees on how to identify and prevent 

9 scams that affect seniors; and 

10 (ii) include— 

11 (I) useful information for retail12 ers, financial services, and wire trans13 fer companies for the purpose described 

14 in clause (i); 

15 (II) training for employees on 

16 ways to identify and prevent senior 

17 scams; 

18 (III) best practices for keeping 

19 employees up to date on current scams; 

20 (IV) the most effective signage and 

21 placement in retail locations to warn 

22 seniors about scammers’ use of gift 

23 cards, prepaid cards, and wire transfer 

24 services; 
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1 (V) suggestions on effective col2 laborative community education cam3 paigns; 

4 (VI) available technology to assist 

5 in identifying possible scams at the 

6 point of sale; and 

7 (VII) other information that 

8 would be helpful to retailers, wire 

9 transfer companies, financial institu10 tions, and their employees as they work 

11 to prevent fraud affecting seniors; and 

12 (B) based on the findings in subparagraph 

13 (A)— 

14 (i) identify inadequacies, omissions, or 

15 deficiencies in those educational materials 

16 and programs for the categories listed in 

17 subparagraph (A) and their execution in 

18 reaching employees to protect older adults; 

19 and 

20 (ii) create model materials, best prac21 tices guidance, or recommendations to fill 

22 those inadequacies, omissions, or defi23 ciencies that may be used by industry and 

24 others to help protect older adults from 

25 scams. 
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1 (2) ENCOURAGED USE.—The Chairman of the 

2 Federal Trade Commission shall— 

3 (A) make the materials or guidance created 

4 by the Federal Trade Commission described in 

5 paragraph (1) publicly available; and 

6 (B) encourage the use and distribution of 

7 the materials created under this subsection to 

8 prevent scams affecting seniors by governmental 

9 agencies and the private sector. 

10 (e) REPORTS.—Section 101(c)(2) of the Elder Abuse 

11 Prevention and Prosecution Act (34 U.S.C. 21711(c)(2)) is 

12 amended— 

13 (1) in subparagraph (C), by striking ‘‘and’’ at 

14 the end; 

15 (2) in subparagraph (D), by striking the period 

16 at the end and inserting ‘‘; and’’; and 

17 (3) by adding at the end the following: 

18 ‘‘(E) for the Federal Trade Commission, in 

19 relevant years, information on— 

20 ‘‘(i) the newly created materials, guid21 ance, or recommendations of the Senior 

22 Scams Prevention Advisory Group estab23 lished under section 102 of the Stop Senior 

24 Scams Act, and any relevant views or con25 siderations made by members of the Advi-
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1 sory Group that were not included in the 

2 Advisory Group’s model materials or con3 sidered an official recommendation by the 

4 Advisory Group; 

5 ‘‘(ii) the Senior Scams Prevention Ad6 visory Group’s findings about senior scams 

7 and industry educational materials and 

8 programs; and 

9 ‘‘(iii) any recommendations on ways 

10 stakeholders can continue to work together 

11 to reduce scams affecting seniors.’’. 

12 (f) TERMINATION.—This title, and the amendments 

13 made by this title, ceases to be effective on the date that 

14 is 5 years after the date of enactment of this Act. 

15 TITLE II—SENIOR FRAUD 

16 ADVISORY OFFICE 

17 SEC. 201. SHORT TITLE. 

18 This title may be cited as the ‘‘Seniors Fraud Preven19 tion Act of 2020’’. 

20 SEC. 202. OFFICE FOR THE PREVENTION OF FRAUD TAR21 GETING SENIORS. 

22 (a) ESTABLISHMENT OF ADVISORY OFFICE.—The Fed23 eral Trade Commission shall establish an office within the 

24 Bureau of Consumer Protection for the purpose of advising 
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1 the Commission on the prevention of fraud targeting seniors 

2 and to assist the Commission with the following: 

3 (1) OVERSIGHT.—The advisory office shall mon4 itor the market for mail, television, internet, tele5 marketing, and recorded message telephone call (here6 inafter referred to as ‘‘robocall’’) fraud targeting sen7 iors and shall coordinate with other relevant agencies 

8 regarding the requirements of this section. 

9 (2) CONSUMER EDUCATION.—The Commission 

10 through the advisory office shall, in consultation with 

11 the Attorney General, the Secretary of Health and 

12 Human Services, the Postmaster General, the Chief 

13 Postal Inspector for the United States Postal Inspec14 tion Service, and other relevant agencies— 

15 (A) disseminate to seniors and families and 

16 caregivers of seniors general information on 

17 mail, television, internet, telemarketing, and 

18 robocall fraud targeting seniors, including de19 scriptions of the most common fraud schemes; 

20 (B) disseminate to seniors and families and 

21 caregivers of seniors information on reporting 

22 complaints of fraud targeting seniors either to 

23 the national toll-free telephone number estab24 lished by the Commission for reporting such 

25 complaints, or to the Consumer Sentinel Net-
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1 work, operated by the Commission, where such 

2 complaints will become immediately available to 

3 appropriate law enforcement agencies, including 

4 the Federal Bureau of Investigation and the at5 torneys general of the States; 

6 (C) in response to a specific request about 

7 a particular entity or individual, provide pub8 lically available information of enforcement ac9 tion taken by the Commission for mail, tele10 vision, internet, telemarketing, and robocall 

11 fraud against such entity; and 

12 (D) maintain a website to serve as a re13 source for information for seniors and families 

14 and caregivers of seniors regarding mail, tele15 vision, internet, telemarketing, robocall, and 

16 other identified fraud targeting seniors. 

17 (3) COMPLAINTS.—The Commission through the 

18 advisory office shall, in consultation with the Attor19 ney General, establish procedures to— 

20 (A) log and acknowledge the receipt of com21 plaints by individuals who believe they have been 

22 a victim of mail, television, internet, tele23 marketing, and robocall fraud in the Consumer 

24 Sentinel Network, and shall make those com-
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1 plaints immediately available to Federal, State, 

2 and local law enforcement authorities; and 

3 (B) provide to individuals described in sub4 paragraph (A), and to any other persons, spe5 cific and general information on mail, television, 

6 internet, telemarketing, and robocall fraud, in7 cluding descriptions of the most common schemes 

8 using such methods of communication. 

9 (b) COMMENCEMENT.—The Commission shall com10 mence carrying out the requirements of this section not later 

11 than one year after the date of the enactment of this Act. 

Attest: 

Secretary. 

116TH CONGRESS 

2D SESSION H.R. 2610 

AMENDMENT